FHA Loans in MassachusettsChris Galli & The Galli Team
3.5% down with a 580+ credit score, and room for a triple-decker. Our Worcester office at 8 Norwich St structures FHA loans across Massachusetts, from Worcester County condos to owner-occupied 2–4 unit homes, and shows your full payment with mortgage insurance included.
Answer a few quick questions and a loan officer will map your FHA and other options.
Prefer to talk? Call 941-529-1040 or book a call.
Who offers FHA loans in Massachusetts?
Chris Galli, Region Manager at Novus Home Mortgage (NMLS #13152), and The Galli Team offer FHA loans across Massachusetts from our office at 8 Norwich St, Worcester, MA 01608. FHA loans allow 3.5% down with a credit score of 580 or higher, and the 2026 FHA limit for a one-unit home in Worcester County is $545,100. We lend in all 50 states, so we can help wherever you buy.
What should Massachusetts FHA buyers know in 2026?
3.5% down at 580+
FHA's minimum down payment is 3.5% with a credit score of 580 or higher. Scores from 500 to 579 need 10% down, and lenders can set higher minimums. We look at your whole file, not just the score.
2026 limits by county
For FHA case numbers assigned on or after January 1, 2026, the one-unit limit is $545,100 in Worcester County and $962,550 in Middlesex, Norfolk, Suffolk, Essex and Plymouth counties.
Mortgage insurance, two parts
FHA charges an upfront premium of 1.75% of the base loan, which most buyers finance, plus an annual premium paid monthly. For most 30-year loans with less than 5% down, the annual rate is 0.55%.
How long MIP lasts
With less than 10% down, annual MIP generally lasts for the life of the loan. With 10% or more down, it ends after 11 years. Some owners later refinance to a conventional loan once they have built equity.
Triple-deckers and 2–4 units
FHA lets you buy a 2–4 unit home with the same 3.5% minimum if you live in one unit, and the limits are higher: $1,048,300 for a four-unit home in Worcester County. See multi-family & triple-decker loans.
Massachusetts rules still apply
Homes on septic generally need a Title 5 inspection, and a smoke and CO certificate is required at sale. If you qualify, FHA can pair with down payment assistance.
What are the 2026 FHA loan limits in Massachusetts?
Worcester County
1 unit $545,100 · 2 units $697,800 · 3 units $843,500 · 4 units $1,048,300.
Greater Boston: Middlesex, Norfolk, Suffolk, Essex & Plymouth
1 unit $962,550 · 2 units $1,232,250 · 3 units $1,489,500 · 4 units $1,851,100.
Bristol & Barnstable
One-unit limits of $787,750 in Bristol County and $828,000 in Barnstable County. Dukes and Nantucket sit at the $1,249,125 national ceiling.
Western Mass: Berkshire, Franklin, Hampden & Hampshire
These counties use the 2026 national floor: $541,287 for one unit, up to $1,041,125 for four units.
What does an FHA loan look like on a $450,000 Worcester home?
Here's how the 3.5% down payment and the 1.75% upfront premium work on a one-unit home. The annual MIP is an estimate at 0.55%. Your price, rate and premium will differ.
| Example price | $450,000 |
| 3.5% down payment | $15,750 |
| Base loan | $434,250 |
| Upfront MIP (1.75%, financed) | $7,599 |
| Total loan | $441,849 |
| Annual MIP at 0.55%, monthly | about $199 |
More ways we can help
What would my FHA payment be in Massachusetts?
Enter a price, your down payment and a rate you've been quoted. The estimator adds the 1.75% upfront premium to your loan, estimates the monthly MIP from HUD's premium table (or your own number), and checks your loan against the 2026 county limit.
We pre-filled Worcester's FY2026 residential tax rate. Change it if you're buying in another town. The rate box is blank on purpose so you use your real quote. Not a loan offer. All loans subject to credit approval.
I've been in this industry for over 29 years, and I started The Galli Team for one reason: too many good people were being told "no" by lenders who didn't know how to structure their deal.
Our Worcester office team helps FHA buyers across Massachusetts every day, from first-time buyers in Worcester County to owner-occupants buying their first triple-decker. We show you the whole picture, including both parts of FHA mortgage insurance, and compare FHA with conventional and MassHousing options so you pick the loan that fits.
Why Massachusetts FHA buyers choose us over big banks
Most lenders have one playbook. We have dozens, built for real-world situations banks won't touch.
| Big Banks & Online Lenders | The Galli Team ✦ | |
|---|---|---|
| Response time | 24 – 72 hours | Within 2 hours |
| FHA on owner-occupied 2–4 units & triple-deckers | Limited | ✓ |
| Upfront and monthly MIP shown in your estimate | Sometimes | ✓ |
| MassHousing programs | Sometimes | ✓ |
| Denied elsewhere? | No second look | We restructure your file |
| Buying in Massachusetts and Florida | Two different lenders | One team, both states |
| Lending states | Varies | All 50 states |
Don't take our word for it.
Real people. Real loans. Real results.
"This is my 5th property purchase and the smoothest transaction by far! I will be using Chris as my go-to mortgage lender from now on."
"Chris, Julie and Rosa were very helpful purchasing my vacation home in Florida. Available all hours. Will definitely use them again!"
"Chris and his team were great to work with. Always available, kept us updated throughout. We closed early with no surprises. Highly recommend!"
Massachusetts FHA questions, answered.
No vague answers. We explain exactly how this works before you ever fill out a form.
Get My Free Loan Plan →Sources: HUD, "FHA Announces 2026 Loan Limits" (hud.gov, Mortgagee Letter 2025-23); 2026 Massachusetts FHA county limits (HSH.com; JVM Lending); FHA credit and down payment rules (NerdWallet); FHA MIP table (MortgageResearch.com; Rocket/Quicken Loans); Worcester FY2026 tax rate (worcesterma.gov); Mass. DEP Title 5 guide (mass.gov). Checked October 2026; limits and premiums change, so confirm with us.
Ready to buy with FHA in Massachusetts?
Get a pre-approval that shows your real FHA payment, mortgage insurance included. Guidance over gimmicks.
Answer a few quick questions and a loan officer from our Worcester office team will map your FHA options.